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430 Ave D, Key West, FL 33040 Property Records

Monroe County property record for 430 Ave D, Key West, FL 33040

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,323 sqft · built 2012
Lot Size0.115 acres (5,000 sqft)
Owner2 Individual Names on Record
Last Sale$799,000 (Apr 2025)
Tax Bill$5,732 (2024)
Deeds & MortgagesJul 2022 Sale & Mortgage
Aug 2018 Loan Modification
Flood ZoneZone AE (high risk)
APN00152810-000000

Property Details

APN / Parcel Number

Primary APN00152810-000000
Alternative APNs
  • 22672600152810000000
  • 1198323

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,323 sqft Living Area
1st Floor Area1,269 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2012
Effective Year BuiltEffective 2018
Exterior MaterialCombination
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,000 sqft (0.115 acres)
Lot Dimensions100 ft deep x 50 ft wide
Garage TypeCovered
Garage Area756 sqft

Exterior Amenities

PorchOpen Porch
Porch Area257 sqft
Deck Area309 sqft
Patio Area309 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number1198323
Street Address430 AVENUE D
CityKEY WEST
StateFL
Zip33040-5526
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeIS
Legal DescriptionBK 14 LT 10 JOHNSONVILLE PB1-53 BIG COPPITT Z-342 J2-298 OR462-794-795 OR564-842 OR729-71 OR1052-165 OR1067-19 OR1237-2426/27 OR1237-2428/29 OR2037-1571/1573 OR2473-1869/70C/T OR2533-1849/51 OR2538-363/34 OR2588-1791/92 OR2826-2448 OR3182-1769
Legal Range26E
Legal Township67S
Legal Section22
Legal SubdivisionJOHNSONVILLE SUBD
Legal Block14
Legal Lot Number10
JurisdictionMONROE FL
Township / Civil DivisionKEY WEST
Census Block Group3
Census Block3030
Census Tract971700

Owner

Source: Monroe County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address430 AVENUE D, KEY WEST, FL 33040-5526
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 5, 2022Warranty Deed, Transfer · VA Mortgage
WEST TOWN BANK & TRUST
Aug 17, 2018Loan Modification, Mortgage · Conventional with PMI
GATEWAY MTG GROUP LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 9, 2025 · Amount on Record
Deed SaleApr 9, 2025 · Amount on Record
Prior SaleJul 5, 2022 · Amount on Record
Deed Document Number20252496427
Deed Book / Page3320 / 1364
Prior Transfer DateNov 10, 2016
Prior Transfer Doc0028262448
Record UpdatedJun 8, 2026

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE FL
Recording DateJul 5, 2022
Property Address430 AVENUE D, KEY WEST, FL 33040-5526
Document Number0031821769
Book / Page3182 / 1769
Map ReferenceMB 1 PG 53
Instrument DateJun 30, 2022
Instrument2382410
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$5,180.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address430 AVENUE D, 430, KEY WEST, FL 33040-5526

Transferred To (Grantee/Buyer)

NameVerified Name
Address430 AVENUE D, KEY WEST, FL 33040-5526

Mortgage

Document Number0031821771
DateJul 5, 2022
Instrument3182/1771
Lender
NameWEST TOWN BANK & TRUST
TypeBank
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2052

August 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE FL
Property Address430 AVENUE D, KEY WEST, FL 33040-5526
Document Number0029440249
Instrument DateAug 17, 2018
Transaction TypeMortgage
Record UpdatedFeb 7, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address430 AVENUE D KEY WEST FL 330405526, KEY WEST, FL 33040-5526

Mortgage

Document Number0029440249
DateJan 10, 2019
Book Page002944/000249
Instrument2201283
Lender
NameGATEWAY MTG GROUP LLC
AddressJENKS, OK 74037
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJan 9, 2049
Interest
Rate TypeFixed Rate
Rate3.25%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyMonroe County
Unified School DistrictMonroe County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$665,745 (+8.34%) Land $325,000 Building $340,745$665,745 (+8.34%) Land $325,000 Building $340,745
2024$5,732.00 (+8.05%)
2023$5,305.00 (+93.12%) Homeowner's exemption$614,498 (+96.68%) Land $297,500 Building $316,998$614,498 (+11.42%) Land $297,500 Building $316,998
2022$2,747.00 Homeowner's exemption$312,438$551,515 Land $275,000 Building $276,515

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 233 individual policies
Community Rating SystemClass 3 (35% premium discount)
Nearby Flood Policies272 units insured
incl. 39 condo units
Nearby Flood Claims287 (1980–2022)
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Irma, Sep 2017 · 49 claims
  • Hurricane Wilma, Oct 2005 · 166 claims
  • Hurricane Georges, Oct 1998 · 50 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless · DSL		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: T-Mobile.

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